www.AnnualCreditReport.com is a website where as a consumer, you are entitled to 1 free credit report a year from one of the major credit reporting agency: Equifax, Transunion and Experian. This means that if you request a free credit report from a different credit reporting agency every 4 months, you are entitled to 3 free credit report per year.
A free credit report allows you to monitor your credit rating and also figure out who has been making authorized or unauthorized credit report request of you. It might also help you figure out if you had been a victim of identity theft and if so, you are entitled to request the agencies to place a fraud alert so as to make it harder for someone to request a credit report in your name. The contact numbers for the 3 reporting agencies are:
* Equifax: 1-877-576-5734; www.alerts.equifax.com
* Experian: 1-888-397-3742; www.experian.com/fraud
* TransUnion: 1-800-680-7289; www.transunion.com
This free annual credit report is made possible by a Federal law. In addition, states like Colorado, Maine, Georgia, Maryland, New Jersey, Vermont and Massachusetts also have state law that gives that entitlement. So, it is not a scam. However, be careful of other scams that may try to pose themselves as associated with the actual site in order to get your personal information.
To request a free credit report from www.AnnualCreditReport.com, you have to share sensitive information such as your personal information and social security number. To play if safe, make sure you type directly in your browser the url versus following a link from somewhere https://www.annualcreditreport.com
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